Well, logic is something I quickly learned NOT to rely on too much with credit issues. I was hoping for a reply from anyone who has experience with such requests with AMEX just to make sure they don't have an odd habit of pulling hards as opposed to soft "periodic review", or whatever it's called, on a consumer request.

Originally posted by Slavic Well, logic is something I quickly learned NOT to rely on too much with credit issues. I was hoping for a reply from anyone who has experience with such requests with AMEX just to make sure they don't have an odd habit of pulling hards as opposed to soft "periodic review", or whatever it's called, on a consumer request.

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NEVER had a "HARD" for a reduction in my interest rate...

BUT I am still waiting for my 8.99% to be reduced to 7.99% (BLUE)...I'm NOT gonna' hold my breath...

Originally posted by GEORGE NEVER had a "HARD" for a reduction in my interest rate...

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Good. That sounds like a round of requests for lower rates from existing creditors is a way to go before a round of applications for new cards. A family member has 11+ with AMEX and a recent jump from high 600s to over 720 due to paying off CC balances including paying off AMEX in full, so there's room for improvement.